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MINI Select is a finance product consisting of a Deposit + Monthly Payments + Optional Final Payment. With this finance product you can choose between three options at the end of your agreement. This flexibility makes this our most popular finance product for New and Approved Used MINIs. We understand that when you take out a finance agreement, you may not be sure what you’ll want to do at the end of it. This product is perfect if you are looking to combine flexibility with low monthly payments.

MINI Hire Purchase is a finance product consisting of a Deposit + Monthly Payments. The attraction of MINI Hire Purchase is that there are no mileage restrictions, so you can enjoy your city thrills or big adventure. What’s more, when you get to the end of your finance agreement, the car is all yours. If you’re looking for a straight forward approach to car finance, and want to pay for your MINI month by month until you end up owning it, MINI Hire Purchase could be for you.

MINI Personal Contract Hire is a finance product consisting of an Initial Rental + Monthly Rentals. You hire your MINI instead of owning it. At the end of your agreement, simply hand your MINI back. This option could be right for you if you’re looking for all the exhilaration of driving a MINI, with none of the hassle of ownership, depreciation and selling your car after your contract has ended.

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Whether you are a sole trader looking for a car that works for your business or you run a fleet of up to 50 cars, the MINI Business Partnership Programme can provide all the support you need. The full range of MINI vehicles are available to order with exceptional business contract hire rates. Browse the latest offers here.

If you're not sure which finance product is right for you, why not use our MINI Finance Matcher to help you decide.

 

BMW (UK) Ltd, trading as MINI UK is a credit broker not a lender. T&Cs apply^.

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Whether you are a sole trader looking for a car that works for your business or you run a fleet of up to 50 cars, the MINI Business Partnership Programme can provide all the support you need. The full range of MINI vehicles are available to order with exceptional business contract hire rates. Browse the latest offers here.

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Important Information

Please ensure the finance quotation meets your needs making sure you can afford the repayments without causing undue hardship.

 

You pay a deposit followed by fixed monthly payments over the duration of your agreement. At the end of your agreement you have the option to hand back your MINI or pay the optional final payment and become the owner of your MINI. You may also part-exchange the vehicle for a new MINI. Any surplus in the vehicle's part-exchange value over the optional final payment fee can be used as a deposit towards your new MINI. A new finance agreement will be subject to status.

 

In the MINI Select quote shown, the on the road cash price is based on the manufacturer's recommended retail price for the vehicle you have selected, and any optional equipment and packages that have been included, as well as the MINI Retailer Warranty, MINI Emergency Service, 12-month road fund licence, vehicle first registration fee, delivery, number plates and VAT.

 

If you return the vehicle, the excess mileage charge will be payable for each mile exceeding the contract mileage. The contract mileage is the annual mileage multiplied by the number of years of your agreement. Vehicle condition charges will also be payable if the vehicle is not in good condition when it is returned.

Please ensure the finance quotation meets your needs making sure you can afford the repayments without causing undue hardship.

 

The MINI Contract Hire quote shown is based on the vehicle you have selected, and any optional equipment and packages that have been included. All figures include VAT.

 

When you return the vehicle, the excess mileage charge will be payable for each mile exceeding the contract mileage. The contract mileage is the annual mileage multiplied by the number of years of your agreement. Vehicle condition charges will also be payable if the vehicle is not in good condition when it is returned. When determining 'good condition' we apply British Vehicle Rental and Leasing Association (BVRLA) fair wear and tear standards.

 

Unlike with MINI Select and MINI Hire Purchase, you do not have the option to become the owner of your MINI at the end of agreement.

Please ensure the finance quotation meets your needs making sure you can afford the repayments without causing undue hardship.

 

In the MINI Hire Purchase quote shown, the on the road cash price is based on the manufacturer's recommended retail price for the vehicle you have selected, and any optional equipment and packages that have been included, as well as the MINI Retailer Warranty, MINI Emergency Service, 12-month road fund licence, vehicle first registration fee, delivery, number plates and VAT.

Frequently Asked Questions
1. How much will it cost me to pay off my agreement early?

There will be no extra fees and the cost will depend on a number of factors which you will need to discuss further with us. If you wish to discuss an early settlement figure please contact our Customer Service Team on 0370 5050 150 and we will calculate the amount due. Please note if you pay off the outstanding finance early you will still have to return the vehicle to us. Terms apply.

2. Is it possible to extend my agreement?

This may be possible and you will need to contact MINI Financial Services to discuss the various options further.

3. Can I take my vehicle abroad?

Subject to your motor insurer's terms and conditions, you can take your vehicle to any country in the EU for a continuous stay of up to 30 days and cannot exceed 60 days in any calendar year. If you plan to travel abroad, please contact our Customer Service Team on 0370 5050 150 and we will provide you with any relevant documentation you may need.

4. Can I transfer my agreement to someone else?

No - our agreements are non transferable.

5. My vehicle has been written off / stolen and I am waiting for the money from the insurance company. Should I stop my payments?You must continue making your monthly payments until the matter has been resolved with your motor insurance company. Please ensure that you notify MINI Financial Services as soon as possible after the theft or accident.

You must continue making your monthly payments until the matter has been resolved with your motor insurance company. Please ensure that you notify MINI Financial Services as soon as possible after the theft or accident.

6. What do I do if my vehicle is written off / stolen and my insurance pay out doesn't cover what I still owe on my finance agreement?

Please note that if the amount paid by your insurance company is insufficient to cover what is still outstanding on your agreement, you will be required to pay the difference between the insurance company settlement figure, and the amount due to us in settlement of your agreement. If however, you take out MINI Shortfall insurance this insurance cover may meet the difference between the insurance company settlement and the amount due to MINI Financial Services to settle your agreement.

7. I'm having difficulties making my monthly payments. What should I do?

You would need to contact us so that we can discuss your current situation and the possible options available to you. Please be advised if you choose not to maintain your monthly payments this could have an adverse affect on your credit rating and may affect your ability to obtain credit in the future. Interest may be charged on any amounts unpaid.

8. I'd like to hand my vehicle back. How do I get it collected?

You will need to contact us before the end of your contract to arrange a date for the inspection and collection of your vehicle. Our appointed logistics company will inspect your vehicle. You'll be charged for any damage that falls outside the British Vehicle Rental and Leasing Association's (BVRLA) Fair Wear and Tear guidelines. Click here for a copy of the guidelines.

9. What do I need to do on the day of return?

You will need to be present when our appointed logistics company inspects your vehicle, as you are required to sign to agree its return condition. Your vehicle must be taxed, insured and have a valid MOT (if applicable) up to the point that we collect it. Our appointed logistics company will assess your vehicle to the standards laid out in the BVRLA Fair Wear and Tear Guidelines and you will be charged for any damage outside of these guidelines. Click here for a copy of the guidelines.

10. My vehicle has been damaged. What should I do?You should have your vehicle repaired under your motor insurance policy before returning it to us. Any repairs must be in accordance with manufacturer recommendations. If there is unrepaired damage when your vehicle is returned, you will be invoiced for the anticipated reduction in its value. You must also tell us about any accident damage you've had repaired during the agreement.

You should have your vehicle repaired under your motor insurance policy before returning it to us. Any repairs must be in accordance with manufacturer recommendations. If there is unrepaired damage when your vehicle is returned, you will be invoiced for the anticipated reduction in its value. You must also tell us about any accident damage you've had repaired during the agreement.

11. Who should I contact if I have a complaint?

If you would like to make a complaint in relation to a MINI Finance Agreement, please contact:

Customer Services Department MINI Financial Services (GB) Limited

Summit ONE

Summit Avenue

Farnborough

Hampshire

GU14 0FB

Email: customer.services@minifs.co.uk

Telephone 0370 5050 150

Our lines are open 8:00am - 7:00pm Monday to Friday and will be charged at local rate. The price of calls may vary with other service providers. Please check with your provider for exact charges.

1. How much will it cost me to pay off my agreement early?

There will be no extra fees and the cost will depend on a number of factors which you will need to discuss further with us. Your settlement figure will be calculated in accordance with the Consumer Credit Act (Early Settlement) Regulations 2004.

2. Is it possible to extend my agreement?

This may be possible and you will need to contact MINI Financial Services to discuss the various options further.

3. Can I take my vehicle abroad?

Subject to your motor insurer's terms and conditions, you can take your vehicle to any country in the EU for a continuous stay of up to 30 days and cannot exceed 60 days in any calendar year. If you plan to travel abroad, please contact our Customer Service Team on 0370 5050 150 and we will provide you with any relevant documentation you may need.

4. Can I transfer my agreement to someone else?

No - our agreements are non transferable.

5. My vehicle has been written off / stolen and I am waiting for the money from the insurance company. Should I stop my payments?

You must continue making your monthly payments until the matter has been resolved with your motor insurance company. Please ensure that you notify MINI Financial Services as soon as possible after the theft or accident.

6. What do I do if my vehicle is written off / stolen and my insurance pay out doesn't cover what I still owe on my finance agreement?

Please note that if the amount paid by your insurance company is insufficient to cover what is still outstanding on your agreement, you will be required to pay the difference between the insurance company settlement figure, and the amount due to us in settlement of your agreement. If however, you take out MINI Shortfall insurance this insurance cover may meet the difference between the insurance company settlement and the amount due to MINI Financial Services to settle your agreement.

7. I'm having difficulties making my monthly payments. What should I do?

You would need to contact us so that we can discuss your current situation and the possible options available to you. Please be advised if you choose not to maintain your monthly payments this could have an adverse affect on your credit rating and may affect your ability to obtain credit in the future. Interest may be charged on any amounts unpaid.

8. I'd like to choose another vehicle. What should I do?

One way to drive away a new vehicle is to part-exchange your current vehicle for a new one. Simply visit your local MINI Centre for a valuation or do this online. Your MINI Retailer will explain the options available and give you all the help you need in finding a new vehicle and the right finance solution.

9. I'd like to keep my vehicle. What should I do?

Simply make all your payments including the optional final payment and the vehicle is yours to keep. This amount will be debited automatically from your account when the agreement ends.

10. Who should I contact if I have a complaint?

If you would like to make a complaint in relation to a MINI Finance Agreement, please contact:

Customer Services Department

MINI Financial Services (GB) Limited

Summit ONE

Summit Avenue

Farnborough

Hampshire

GU14 0FB

Email: customer.services@minifs.co.uk

Telephone 0370 5050 150

Our lines are open 8:00am - 7:00pm Monday to Friday and will be charged at local rate. The price of calls may vary with other service providers. Please check with your provider for exact charges.

1. How much will it cost me to pay off my agreement early?

There will be no extra fees and the cost will depend on a number of factors which you will need to discuss further with us. Your settlement figure will be calculated in accordance with the Consumer Credit Act (Early Settlement) Regulations 2004.

2. Is it possible to extend my agreement?

This may be possible and you will need to contact MINI Financial Services to discuss the various options further.

3. Can I take my vehicle abroad?

Subject to your motor insurer's terms and conditions, you can take your vehicle to any country in the EU for a continuous stay of up to 30 days and cannot exceed 60 days in any calendar year. If you plan to travel abroad, please contact our Customer Service Team on 0370 5050 150 and we will provide you with any relevant documentation you may need.

4. Can I transfer my agreement to someone else?

No - our agreements are non transferable.

5. My vehicle has been written off / stolen and I am waiting for the money from the insurance company. Should I stop my payments?

You must continue making your monthly payments until the matter has been resolved with your motor insurance company. Please ensure that you notify MINI Financial Services as soon as possible after the theft or accident.

6. What do I do if my vehicle is written off / stolen and my insurance pay out doesn't cover what I still owe on my finance agreement?

Please note that if the amount paid by your insurance company is insufficient to cover what is still outstanding on your agreement, you will be required to pay the difference between the insurance company settlement figure, and the amount due to us in settlement of your agreement. If however, you take out MINI Shortfall insurance this insurance cover may meet the difference between the insurance company settlement and the amount due to MINI Financial Services to settle your agreement.

7. I'm having difficulties making my monthly payments. What should I do?

You would need to contact us so that we can discuss your current situation and the possible options available to you. Please be advised if you choose not to maintain your monthly payments this could have an adverse affect on your credit rating and may affect your ability to obtain credit in the future. Interest may be charged on any amounts unpaid.

8. I'd like to choose another vehicle. What should I do?

One way to drive away a new vehicle is to part-exchange your current vehicle for a new one. Simply visit your local MINI Centre for a valuation or do this online. Your MINI Retailer will explain the options available and give you all the help you need in finding a new vehicle and the right finance solution.

9. I'd like to keep my vehicle. What should I do?

Simply make all your payments including the optional final payment and the vehicle is yours to keep. This amount will be debited automatically from your account when the agreement ends.

10. Can I keep the vehicle and reschedule my final payment?

It may be possible to reschedule your final payment subject to our underwriting criteria. Initial enquiries can be handled by your local MINI Retailer or MINI Financial Services. Restrictions around term and mileage will apply.

11. I'd like to hand my vehicle back. How do I get it collected?

You will need to contact us before the end of your contract to arrange a date for the inspection and collection of your vehicle. Our appointed logistics company will inspect your vehicle. You'll be charged for any damage that falls outside the British Vehicle Rental and Leasing Association's (BVRLA) Fair Wear and Tear guidelines. Click here for a copy of the guidelines.

12. I'd like to hand my vehicle back but I've exceeded my agreed mileage. What happens then?

You will be charged at the excess mileage rate over the agreed mileage rate over the term of the agreement and will be invoiced for this amount after your vehicle is returned. The excess mileage rate is charged in pence per mile and varies according to the agreed mileage for the agreement.

13. What do I need to do on the day of return?

You will need to be present when our appointed logistics company inspects your vehicle, as you are required to sign to agree its return condition. Your vehicle must be taxed, insured and have a valid MOT (if applicable) up to the point that we collect it. Our appointed logistics company will assess your vehicle to the standards laid out in the BVRLA Fair Wear and Tear Guidelines and you will be charged for any damage outside of these guidelines. Click here for a copy of the guidelines.

14. My vehicle has been damaged. What should I do?

You should have your vehicle repaired under your motor insurance policy before returning it to us. Any repairs must be in accordance with manufacturer recommendations. If there is unrepaired damage when your vehicle is returned, you will be invoiced for the anticipated reduction in its value. You must also tell us about any accident damage you've had repaired during the agreement.

15. Who should I contact if I have a complaint?

If you would like to make a complaint in relation to a MINI Finance Agreement, please contact:

Customer Services Department

MINI Financial Services (GB) Limited

Summit ONE

Summit Avenue

Farnborough

Hampshire

GU14 0FB

Email: customer.services@minifs.co.uk

Telephone 0370 5050 150

Our lines are open 8:00am - 7:00pm Monday to Friday and will be charged at local rate. The price of calls may vary with other service providers. Please check with your provider for exact charges.

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